# Bangor Savings Bank CD rates

As of October 23, 2026, Bangor Savings Bank's highest tracked CD rate is 4.00% APY on a 39-month relationship CD ($500 minimum). That is 2.9 times the FDIC national average for 36-month CDs (1.39%). Standard CD rates range from 0.45% to 2.28% APY.

Canonical page: https://apyledger.com/cd-rates/bangor-savings-bank
Institution: Bangor Savings Bank (FDIC 18408)
Aliases: 
Status: live
Last verified: 2026-10-23T11:30:44.000Z (October 23, 2026)
Official source: https://www.bangor.com/personal-banking/savings-money-market/certificate-of-deposit/
Coverage: Standard and special CDs require $500. Benefit Plus quotes require the qualifying banking relationship; confirm eligibility with the bank. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Benefit Plus® Certificate of Deposit | relationship | 3 months | $500 | 2.53% | Not ZIP-priced | −1.73% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 3 months | $500 | 2.28% | Not ZIP-priced | −1.98% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 6 months | $500 | 0.70% | Not ZIP-priced | −3.64% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 6 months | $500 | 0.45% | Not ZIP-priced | −3.89% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Special Certificate of Deposit | relationship | 9 months | $500 | 3.50% | Not ZIP-priced | −0.90% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Special Certificate of Deposit | promotional | 9 months | $500 | 3.25% | Not ZIP-priced | −1.15% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 12 months | $500 | 0.85% | Not ZIP-priced | −3.61% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 12 months | $500 | 0.60% | Not ZIP-priced | −3.86% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Special Certificate of Deposit | relationship | 15 months | $500 | 3.75% | Not ZIP-priced | −0.77% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Special Certificate of Deposit | promotional | 15 months | $500 | 3.50% | Not ZIP-priced | −1.02% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 18 months | $500 | 0.95% | Not ZIP-priced | −3.63% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 18 months | $500 | 0.70% | Not ZIP-priced | −3.88% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 24 months | $500 | 1.01% | Not ZIP-priced | −3.69% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 24 months | $500 | 0.75% | Not ZIP-priced | −3.95% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 30 months | $500 | 1.01% | Not ZIP-priced | −3.73% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 30 months | $500 | 0.75% | Not ZIP-priced | −3.99% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 36 months | $500 | 1.01% | Not ZIP-priced | −3.77% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 36 months | $500 | 0.75% | Not ZIP-priced | −4.03% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Special Certificate of Deposit | relationship | 39 months | $500 | 4.00% | Not ZIP-priced | −0.78% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Special Certificate of Deposit | promotional | 39 months | $500 | 3.75% | Not ZIP-priced | −1.03% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 48 months | $500 | 1.01% | Not ZIP-priced | −3.80% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 48 months | $500 | 0.75% | Not ZIP-priced | −4.06% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Special Certificate of Deposit | relationship | 54 months | $500 | 4.00% | Not ZIP-priced | −0.82% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Special Certificate of Deposit | promotional | 54 months | $500 | 3.75% | Not ZIP-priced | −1.07% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Benefit Plus® Certificate of Deposit | relationship | 60 months | $500 | 1.01% | Not ZIP-priced | −3.83% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |
| Certificate of Deposit | standard | 60 months | $500 | 0.75% | Not ZIP-priced | −4.09% | 2026-10-23T11:30:44.000Z | [Snapshot 997](https://apyledger.com/snapshots/997) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.